Why do you need toy insurance in Texas?

When you are in the Huntington, TX area, you will find that owning a recreational toy can be a good idea. In this part of the state, there are plenty of places where you can enjoy the toy while experiencing the great outdoors. While a recreational toy will be a lot of fun to use, it also is a responsibility to take seriously. Diligent owners should get insurance for it for several reasons. 

Receive Proper Coverage

The first reason that you will want to have toy insurance in this area of Texas is so you can receive proper coverage. With toy insurance, you will get protection for your asset. This means you will have financial support if it is damaged, stolen, or you incur various other losses. You can also receive liability coverage through your recreational toy insurance plan. With this coverage, you will have the support needed to cover damages that you may cause in an accident.

Insurance Can be Required

There are also situations in which having this insurance will be a requirement. If you choose to take out a loan when you buy your recreational toy, there is a good chance that your lender will require you to carry full insurance. Further, using the toy in certain areas may require you to provide evidence of coverage, which ultimately protects all users of the local trails. 

There are various benefits that come with proper toy insurance coverage in Huntington, TX. Choosing the plan can seem complicated at times as there are various decisions to make. As you are assessing your options, calling Integra Insurance Services can be a great idea. The professionals with Integra Insurance Services will give any support you need to build a plan that will appropriately cover your recreational toy. 

Why do people need boat insurance in Texas?

During the warm summer months of the year, people all over the Huntington, TX area need to find ways to stay cool and enjoy the outdoors. A great way that this can be done is by getting a boat. When you have your own boat, you can spend many nice days and evenings out on the water. While a boat can be a lot of fun to own, it also is a big asset and responsibility. Due to this, you should get proper insurance for it. A boat insurance plan is needed here for several reasons. 

Protect your Boat

You should primarily get a boat insurance plan to protect your asset. If you are going to buy a boat, you will want to know that it can be repaired or replaced in the future. With a full insurance plan, you will have the protection you need if the boat is stolen, vandalized, or damaged during some type of accident. 

Liability Support

You also should get boat insurance to receive proper liability support. If you are going to use a boat, there is always a chance that you could make a mistake that results in an accident. In these cases, you will be responsible for any damages. Your boat insurance plan will provide you with the liability coverage that you need in these situations. 

When you are in the Huntington, TX area and are in the market for a new boat, it is important that you also consider your insurance needs. As there are a lot of choices to make along the way, speaking with Integra Insurance Services can be a good option. If you do work with Integra Insurance Services, you can get any support you need to build a plan that protects you and your boat. 

When would someone need specialty property insurance in Texas?

The state of Texas has continued to be a great place for someone to grow a business or invest in real estate. While this can include investing in residential real estate, owning specialty properties can be a good idea as well. If you are going to purchase a specialty property as an investment or for your business, you need to get the right insurance for it. There are various reasons why you will need to have specialty proper insurance in the Huntington, TX area.

Receive Protection for Building Needs 

One of the main reasons to get a specialty property insurance plan is that it can help ensure you receive the right protection for your building. A specialty building is unique and will have different insurance necessities. When you get specialty property insurance, you can build a plan that will meet the needs of your building.

Meet Requirements

You should also consider getting a specialty property insurance plan so you can meet your insurance requirements. Most people that purchase an investment property and specialty building will take out a commercial real estate loan to do so. Along with having financing, you will also have various requirements. This can include requiring that you carry a specialty property insurance plan. Getting a full insurance policy will keep you in compliance with requirements. 

Getting specialty property insurance can be a good investment for those that are in the Huntington, TX area. When you are evaluating your insurance options, calling Integra Insurance Services is a good option. Specialty property insurance is a unique form of coverage and no two policies are the same. The team with Integra Insurance Services can help you carefully evaluate your options and build a plan that protects you and your specialty property asset.

How To Avoid Risk As A Small Business Owner

Owning a business generates a great sense of accomplishment, but it also carries with it many risks. Learning how to avoid the most common risks is important to your future success. At Integra Insurance Services serving Huntington, TX and surrounding areas, we want to provide our clients with the best information so that they can make intelligent insurance choices. Keep reading to learn how to avoid risks as a small business owner. 

Screen Employees Thoroughly 

It is very important that you only bring on new team members who are going to bring value to your business and not take away value. You can cut down on risks by screening employees thoroughly with the use of background checks and in-depth reference reviews. 

Keep High Safety Standards

One risk that business owners face is the risk of injuries in their place of business. Injuries can affect both employees and customers. You can cut down on these risks by always insisting on high safety standards. Keeping areas impeccably clean and free of clutter is another great way to cut down on the risks of injuries. 

Proper Training

Insisting that employees are trained properly is also imperative to cut down on risks. This is especially important if your company works closely with clients or customers. If you are providing service within customers’ homes or vehicles or handling hazardous materials this is of utmost importance. It may take more of a time investment upfront to train employees properly, but this investment could save you from difficulties in the future.

If you would like to learn about commercial insurance or any of our other insurance products, please contact us at Integra Insurance Services, serving Huntington, TX, and the surrounding areas. 

4 Overlooked Home Insurance Facts

Integra Insurance Services provides coverage to the Huntington, TX community and the surrounding areas. Life is often full of unpredictability. We strive to help our clients find the necessary coverage to protect them when adversity arises. We have working relationships with various carriers throughout the South. Providing great customer service is important to us.

Overlooked Home Insurance Facts

Home insurance gives you peace of mind if something happened to your Huntington TX property. The policy protects your home against potential structural damage. You are covered if your home is damaged due to a fire or natural disaster, such as a tornado. All of your personal items are covered if you are a victim of theft. If you have multiple luxury possessions inside your home, you’ll need to amend your policy in order to fully cover those items if something happens to them. Liability coverage protects you if you accidentally damage your neighbor’s property or a guest is injured while visiting your home. While you are researching coverage, consider these overlooked home insurance facts.

Home Insurance Covers Your Pets

Home insurance covers you if your pet injures someone on your property. The liability coverage steps in to take care of the injured party’s medical treatment.

Falling Objects

Home insurance covers any damage to your home due to a falling object. As a Huntington, TX resident, you are aware that severe weather could move through the area at any moment. If a storm causes a large tree branch to cause damage, you are covered.

Alternative Living Coverage

Home insurance covers you if your property suffers serious damage, and you have to stay somewhere else until the repairs are finished.

Connected Structures

Home insurance covers any damage to a connected structure such as a garage or fence.

Do You Need Full Coverage Insurance on Your Vehicle?

It is not uncommon for Huntington, TX drivers to only purchase the state minimum of auto insurance in an effort to save money. While this can indeed save you money on your insurance premiums from month to month, you may not necessarily be sufficiently covered in the event of an accident. Keep reading to learn a few things Integra Insurance Services wants you to know about liability insurance and full coverage insurance.

What Exactly Is Included in Full Coverage Insurance?

Full coverage auto insurance offers protection for virtually anything that can occur to you and your vehicle while behind the wheel. It offers protection for others in a collision while also offering compensation for injuries and damages you may endure in an accident.

Full coverage consists of both comprehensive and collision coverage. This means you are also covered for damages caused by a fire, vandalism, theft, animals, etc.

What Exactly Is Included in Liability Insurance?

Every state requires auto liability insurance, which is designed to offer protection for other drivers and their vehicles. This type of coverage will offer coverage for bodily injury and property damage for a third party in a collision. The amount of coverage will vary from one state to the next depending on state requirements, so make sure to check with your insurance company before purchasing a policy on your own to ensure you are in compliance with the state minimum.

If you are uncertain whether you should invest in liability or full coverage auto insurance, contact our team at Integra Insurance Services. Every policy is tailored to your individual situation, so let us help you identify your auto insurance needs in Huntington, TX.

What coverage comes with toy insurance?

Those that are in the Huntington, TX area should always look for ways to have fun in the great outdoors. When you want to enjoy all the local parks and trails, investing in a recreational toy is a good idea. When you do invest in a recreational toy, you will want to make sure you are properly insured. A proper toy insurance plan will come with a few forms of helpful coverage.

Coverage to Offset Liability Risk

One of the reasons that you should get a toy insurance plan is so you can offset your liability risk. When you choose to invest in a recreational toy, you will be taking on liability risk with every use. If you do cause an accident, you will have to cover any damages that you cause. As these damages can be significant, getting a toy insurance plan with liability coverage will be helpful as it can offset this risk.

Cover Your Recreational Toy

When you get a toy insurance plan, you also will get coverage for your toy. If your toy is stolen, vandalized, or damaged in an accident, it could be expensive to replace or repair it. Fortunately, you can get a toy insurance plan that will provide the support you need to cover losses that you incur. 

As you are evaluating your toy insurance needs in the Huntington, TX area, you could find that you have a lot of questions. When you are looking for a coverage plan in this area, it would be helpful to start your search with Integra Insurance Services. The team with Integra Insurance Services can give you a lot of guidance that will help you build a proper plan. This will ensure you get the liability and property protection that you need. 

Why Texas Boat Owners Should Consider Adding Storage Coverage To Their Boat Insurance Policies

Integra Insurance Services assists the Huntington, TX community, as well as the surrounding areas. We have partnerships with multiple carriers across the South. This allows us to offer our clients flexible policies that adjust to life’s unpredictability. We are committed to helping you protect your assets.

Should You Add Storage Coverage To Your Boat Insurance Policy?

Huntington, TX is known for its hot weather during the summer. Many Texas residents enjoy cooling off by the lake by having fun on their boats. Boat insurance helps keep you and your loved ones safe while you are out on the water. Boat insurance covers you if collide with another watercraft or object. You are also covered if your boat suffers damage due to a fire, hurricane, or tornado. Comprehensive coverage protects your boat if it is stolen or vandalized. If your boat causes damage or if a passenger is injured, liability coverage steps in to protect you. You can also cover any accessories and personal items on your boat if they are damaged or stolen.

You may think it’s unnecessary to have coverage during the times when you are not operating your boat. However, accidents can happen at any time. If you are left unprotected and something happens to your boat, that could lead to serious consequences. That’s why it is beneficial to have year-round coverage on your boat, including when it’s in storage. Someone could infiltrate the facility and vandalize your boat or steal your possessions. Perhaps an accidental fire starts. These are common scenarios when storage insurance will cover you.

Integra Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.

What You Need To Know About Specialty Property Insurance

Property owners need sufficient insurance in order to protect the investments they have made in their properties. At Integra Insurance Services, serving Huntington, TX, we make it our aim to provide clients with solid information so that they can make confident insurance choices. Keep reading to learn more about specialty property insurance. 

What Is Specialty Property Insurance?

Specialty property insurance is a unique type of insurance policy that can be customized for properties that do not fit into traditional categories. Finding the right kind of insurance coverage for these properties is imperative to your ongoing financial health and success. 

What Types of Properties Are Covered?

Specialty property insurance can be customized to cover many different types of properties. Below you will find some of the most common properties that would need this type of coverage.

  • Rental properties- If you have invested in rental properties, you will need customized insurance coverage.
  • Vacant properties- Vacant properties carry with them a unique set of risk factors. You can make sure all your bases are covered with specialty property insurance. 
  • Manufactured homes- Not all homeowner policies are appropriate for manufactured homes. A specialty property policy could be just what you need. 
  • Multi-unit tenant insurance- For those operating a multi-unit rental property, there are specific insurance needs that can be met with a specialty property policy. 

If you would like to learn more about specialty property insurance or any of our other insurance products, please contact us at Integra Insurance Services, serving Huntington, TX. We will be happy to answer your insurance questions and help you find the best policy to meet your needs. 

Required Commercial Insurance in Texas

When you own a business in Texas, it’s important to have all of the insurance coverages that you need to keep you and your business protected. In this state, there is only one type of commercial insurance that is required in most cases, but there are several other types that are extremely helpful for businesses of various types. If you need commercial insurance, call us at Integra Insurance Services in Huntington, TX.

Commercial Auto Insurance

When your business owns a vehicle in Texas, it is required to have commercial auto insurance. There are three amounts of coverage that are required to be in these policies. The first is an amount of bodily injury liability for one person who is injured in an accident caused by your company’s vehicle. The second is a large amount that is required for all of the people who become injured in this type of accident. The third is a minimum amount of property damage liability that covers the damage to someone else’s property in an accident caused by your company’s vehicle. If you have a vehicle that is used for work tasks, but it’s not owned by the company, it should have a policy called hired and non-owned. This isn’t required, but it is a smart choice to make sure that your vehicle is covered when it is taking care of work tasks. 

Workers’ Compensation Insurance

Texas is unusual among states because it doesn’t require every company to have workers’ compensation coverage for its employees. This coverage is only required if you contract with the government. Otherwise, it’s simply suggested and not required. This type of insurance pays for the medical bills that are caused by an employee who is injured while on the job. This coverage can keep you from being sued over these bills and other expenses related to the injury. 

Call Us Today

If you need commercial insurance, give us a call at Integra Insurance Services in Huntington, TX.